Hi,
I'm starting my new job in London as a new grad. I was wondering what credit/debit cards you guys are using (for analyst level). Do you have a credit card or just using a random debit card? I'm not from the UK so I just have a UK Revolut account that I used for my SA gig last year.
Thanks!
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Banking with HSBC, Amex for cashback/points/Avios depending on your preference.
Thanks for your reply. Do you have the regular British Airways Amex?
oh you want recommendations from analysts and associates only? lmfao.
I meant for analyst/associate level. I edited :)
I think in the UK if you want a credit card (or any credit product) you need to have been a resident for 3 years as part of the background checks. Barclays do a credit card for those who wish to forego a check but APR is around 40% mark.
Following
Amex Gold for credit
Revolut for debit (very handy internationally)
Amex and Chase are gonna be my recommendations for cards. I have a company-issued CSR and keep an Amex Gold on me for personal use. Debated getting an Apple Card for the Apple Pay perks but don't think I'd use it enough for it to really make sense. Most people I know just get the Apple card since it has the GS logo on it, anyways.
Amex Gold / CSP and Amex Plat / CSR are very similar, it just comes down to personal preference. I think the former does really well for daily use, while the latter is great for travel and other perks. Just time 'em right, cop a nice sign-on bonus, and make sure you really use it enough to justify the $250 former or $700 latter fee.
Edit: For my debit card I just use WF. You know, the red one that everyone has. It works for me LOL
Apple Card isn’t available in the UK + not really the best value proposition
Im with Monzo for day to day (just cause it was easiest to set up when I moved here). My credit card, through work, is just your basic run of the mill, Amex.
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